Dear Angie: What are the differences between a home warranty on a new home and one for an existing home? – Kenneth E., Fort Mohave, Arizona
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Local Articles in Indianapolis
Is a home warranty worth it?
No. 1: fire stations make good neighbors. If you’re more than five miles from a fire station or more than 1,000 feet from a fire hydrant, you’ll pay several hundred dollars more per year for your policy.
For the sixth year in a row, home warranty companies earned the worst grades, according to data compiled by Angie’s List in 2010. While it might sound tempting to purchase a home warranty to help lighten the financial load, it’s important to decide whether one will effectively solve your problems.
First, call your insurance company and tell them you do not want any proceeds paid to the contractor under your policy as you are not going with them. This way they can not collect money on your behalf. Insurance will typically have you sign a form for release of funds anyway but this is a good extra step to make sure your signature isn't forged. Second, call the contractor and tell them you will not be needing their services afterall. Did your husband pay a deposit? If so it may be non-refundable. Then follow up with a certified letter.
An email as well doesn't hurt but some states don't yet recognize email as a form of communication for legally binding documentation. This may have changed and I'm sure more states do recognize them as I haven't followed that topic elsewhere as much as I used to. The contractor's office should be local. A sure fire way to ensure they got the message is to deliver the letter to the office of the contractor and have someone at the office sign a duplicate stating it has been recieved and read. There's no arguing whether they received it or not by doing that.
Hopefully you've learned your lesson about high pressure sales techniques and storm chasers looking for a quick buck. Some people find out a much harder way. While these guys may be legitimate you should always do your homework on a contractor before signing the contract. Unless you have water running out of the house and the work has to be done on the spot it's not so much of an emergency that it can't wait until the next day.
Todd's Home Services
San Antonio, TX
Home Warranty reviews in Indianapolis
We could not be happier with the home warranty! Every step of the process was easy and the contractor they chose was great.”
I was told when I called the next morning that I should have called back in an hour, their voice mail wasn't dependable. Hello, ever hear of an answering service? In this field, customers should not have to keep calling back. They also implied that they didn't get my message, which is untrue, as their plumber did call me the *next morning*!! (Way too late).
I was told that the lift station was not covered, which is a blatent misrepresentation of what is covered in their "premium" policy.
I will be asking for a refund of my remaining money. we've barely been in the house for a month!”
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